Office of Risk Management

Facilities Management Building
411 Pioneer Drive
Rochester , MI 48309-4482
(location map)
(248) 370-4929
Fax: (248) 370-2601

Programs Involving Minors Insurance Requirement

Programs Involving Minors Insurance Requirement

All programs involving minors are required to provide insurance as outlined below.

The existing limits, developed by OU's insurance consortia group M.U.S.I.C., stems from the current claims environment and excess insurance carriers' requirements. 

Programs Involving Minors

Coverage Required


Certificate must indicate evidence of Sexual Abuse and Molestation coverage.


*Sole proprietor with no employee is exempt from Workers’ Compensation

Workers’ Compensation with Employers’ Liability

Statutory Limits and EL $1,000,000*

Commercial General Liability

$1,000,000 per occurrence and $2,000,000 aggregate

Auto Liability


Sexual Abuse and Molestation

$1,000,000 per occurrence and $2,000,000 aggregate

Excess Liability (umbrella)

$1,000,000 per occurrence

Added as Additional Insured: Oakland University and Board of Trustees

  • All certificates must indicate coverage of Sexual Abuse and Molestation coverage
  • Workers' Compensation is not required if camp sponsor is a sole proprietor with no employees
  • Auto Liability is not required if the camp sponsor is not transporting students on campus

Deviation from the current insurance requirements (without Risk Management approval) is a violation of Oakland University Administrative Policies & Procedures #1050 Risk Management Insurance Polices & Procedures.